Protect Your Home This Winter with Surewise.com’s Home Emergency Insurance

LONDON - Oct. 13, 2014 - PRLog -- LONDON, ENGLAND, October 13, 2014 – The UK is bracing itself for another severe winter which not only means an increase in health risks but also an increase in home emergencies as water pipes freeze, boilers breaking down and central heating staggering under new loads. Surewise.com says that now is the time to buy home emergency insurance, before the cold really sets in.

Buying home emergency insurance now ensures that consumers are protected from major repair or replacement costs if any of essential winter appliances give up the ghost. Richard Hannan, one of the directors of Surewise.com, said, “Consumers often forget that there is some lead time between buying a home emergency insurance policy and when the cover actually kicks in. If they leave it too late, they run the risk of an emergency occurring during that critical period when they still aren’t covered.”

The lead time for home emergency cover varies from insurer to insurer, and while at Surewise.com the lead time is only 14 days, it can be longer with other insurers.

Some of the most common problems that plague UK homes during winter include: boilers malfunctioning after long periods of inactivity, frozen and burst water pipes, central heating pumps seizing and drainage issues.

Most problems can be prevented with routine maintenance, which Hannan strongly recommends. “People often let their maintenance slide which is a big mistake as most home emergency policies don’t cover problems related to wear and tear. So if someone’s gutters have been rusting for years and they suddenly give way during one downpour, deluging their house with water, their policy won’t pay for the resulting damage or replacement,” said Hannan.

Regular property inspections and repairs are essential to reap the full benefits of home emergency insurance.

Surewise.com provides a range of personal insurance products throughout the UK, including home emergency insurance, gadget insurance, appliance insurance and car warranties. Landlords insurance is also available for property investors.